A credit card must be used for more than 3 months before you can apply for a temporary limit increase.

Generally, banks can apply once a month.

Temporary credit limit, as the name implies, is a credit limit that the bank temporarily increases based on the permanent credit limit in order to meet the temporary needs of customers. As per the bank's regulations.

The validity period of a temporary credit card limit is generally one month. As long as all the debts owed to the temporary limit are paid off when the temporary limit expires, you can continue to apply for the temporary limit.

Extended information

Each bank has different temporary quota policies, and the quota increase time is also different:

1. Bank of China: The first quota increase only requires The repayment record is enough. There is no limit on the time for the second increase. You can apply to the bank at any time as long as you need it;

2. Industrial and Commercial Bank of China: You can apply for the first temporary increase at any time. After that, you can apply for it at any time. You can apply for an adjustment once every one month;

3. China Construction Bank: The first time you apply for a temporary quota, you need to use the card for 2 months before you can apply. After that, you can apply for an adjustment every one month;

4. Agricultural Bank of China: There is no time limit for applying for a temporary quota and you can apply at any time;

5. China Merchants Bank: There is no time limit for applying for a temporary quota and you can apply for it at any time;

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6. Guangfa Bank: The first application for a temporary increase must be made after holding the card for 6 months, and can be adjusted every six months;

7. Shanghai Pudong Development Bank: The first application for a temporary increase The limit needs to be increased after holding the card for 4 months. After that, you can apply for an adjustment every 1 month;

8. Everbright Bank: The first application for temporary limit increase must be made after holding the card for 3 months. Thereafter, you can apply for a temporary credit limit increase every 3 months;

9. Hua Xia Bank: The first application for a temporary limit increase must be made after holding the card for 6 months, and you can apply for a temporary credit limit increase every 2 months. amount;

10. Industrial Bank: There is no time limit for applying for a temporary quota, and you can apply at any time;

11. Bank of Communications: You cannot actively apply for a temporary quota, and can only be invited by the bank;< /p>

12. China CITIC Bank: Temporary applications cannot be made on your own initiative and can only be invited by the bank.

Reference materials:?Baidu Encyclopedia-Credit Card Limit